If you're being sued over delinquent credit card debt, there are a few ways you could get the lawsuit dismissed.
Right now, Americans are grappling with unprecedented levels of credit card debt. The average cardholder owes about $8,000 on their credit cards and the total amount of credit card debt nationwide surged past $1.17 trillion in late 2024, marking the highest level ever recorded and representing a troubling acceleration of an ongoing trend.
Insufficient evidence of the debt Credit card companies and debt collectors must prove the existence and amount of the debt with proper documentation. This typically includes the original credit card agreement, monthly statements showing purchases and payments, and proof that you agreed to the terms. If they cannot produce these records or if the documentation contains errors or inconsistencies, you may have grounds for dismissal.
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